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PR1MA is decent for a first home IF the location works for your life, not so much as an investment. Two big things people forget: first, the…
I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
RM2800 to RM3200 for a fresh engineer in Klang Valley is unfortunately quite normal for local SME and consultancy. It's low, I know, but tha…
Nego always can, worst case they say no, they wont withdraw for asking politely lah. When I got my first offer I emailed back: "Thank you fo…
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
The secret isn't just timing, it's picking a busy mamak. A packed stall means high turnover so nothing sits around long. My regular spot in …
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
As a fellow foodie, IF worked for me because it doesn't tell you WHAT to eat, just WHEN, which suits our food culture better than restrictiv…
My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…
Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months exp…
Bawah Employment Act (yang dah luaskan cover semua pekerja tak kira gaji sejak pindaan terkini untuk banyak provision), pekerja yang layak b…
Aku commute JB-Singapore dah 3 tahun. Reality check: SGD3,000 tukar RM memang nampak besar (RM10k+), dan itu daya tarikan utama. TAPI kos hi…
Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…
Ya lor, classic Malaysian sales guy problem, I had the exact same thing. What actually helped me: I stopped eating anything within 3 hours o…
I joined a GLC in 2020 after going through their process, and yes it is slower and more formal than private sector, prepare for that mentall…
I duduk PR1MA dekat area utara dah 4 tahun. Pros: harga entry rendah, dan ada moratorium 10 tahun so tak boleh jual awal, yang secara tak la…
I've commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
From my experience flying KL to KK for festive season, the only real way to beat the crazy prices is to book very early, like 3-4 months ahe…
I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Why people l…
Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …